I currently staying at 3 room flat. wish to upgrade to 4room. have applied sbf may and probably will get to select in oct. but now my concern is the sale proceed that i will be getting aft selling my current flat coz need to deduct resale levy fee of 30k. Estimate sell 290k, hdb loan bal $66k, cpf utilised 125k aft deduct with 1/2 proceed goes to hdb left with abt 35k. afraid it will be not enough for new hse reno n stuffs.not sure if we should go to resale instead since the price for resale has drop. pls advise. Thanks. Yati.
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What's most essential in the upgrade/downgrade process is the - financial cash computation and calculations. In these cases, it's always best to have a professional work out your financial cash projection, generation of sales proceeds and factor in the likely purchase price so that the process is smoothly facilitated and ensure you a tidy profit. Sometimes, being rookies and unfamiliar with the overwhelming process, a slight wrong decision can lead to paper loss and even actual loss!
What's also to note- in this weak market where resale units pricing are falling and are left on the shelves for months. Do you have the right medium to expose your property to throngs of prospects? Do you understand the own value of your house? Do you understand the valuation and exact transaction/sales in your block and surrounding vicinities?
All these play a part in ensuring you reap your profit and at the same time, enjoy the best of both world's. As agents, we have all the tools, skills and marketing strategies to help bring light to your plans. Sure there is a small fractional cost involved, but think about the thousands of dollar you can make on your sales and another thousands of dollars you can save on your purchase with the due diligence and negotiation skills of your agent. We represent your needs and fight for YOUR price! I always advise my clients to have a preliminary discussion to derive more information and requirements as well as share more on the market insights/ comprehensive marketing strategy of unit as well as take this as an opportunity to understand my working style.
You can always asses my proven track record and recent coveted awards & testimonial on my website to ascertain the commitment, dedication and integrity I uphold in representing my client's welfare and interest to get them the best possible deal.
ERA Associate Division Director
#1 team of ERA in Singapore, Asia Pacific International for 2014.
ERA 2015 Q1 Top Achievers (Top1% of ERA)
ERA Top Achievers 2013/14
ERA Multi-Million Dollar Club Award
2014 ERA Asia-Pacific Business Conference Elite Award
2015 Feb/ April/May ERA Top Achievers
2014 Aug/Sept/3rd quarter/Dec/ Overall 2014 ERA Top Achievers Read More
Thanks for sharing about your scenario. May I know the location of your current and future property in mind? Perhaps the most important thing is to do up a detailed financial plan so to see if the transition can be smooth and whether its meaningful to pursue which option.
May I have more info and requirements about your plans so to make better recommendations? Thanks and look forward to value-add to your housing plans.
Ivan Ng ERA ASAP
(ASk Anything Property)
Proactive. Sincerity. Feedback.
SMU BBM (Finance), Magna Cum Laude
Contact: (+65) 97432395
Facebook Page: www.facebook.com/ASAProp
--- HDB Flat Sellers
Mr. Hayum and Ms. Azizah ---
Ivan has justified our faith in appointing him as our Exclusive Agent.
He transacted our unit at 620k, above valuation & highest price ever achieved for our block, within 2 months.
In a slow market, you need a proactive & committed agent who puts the extra effort. Besides advertising in papers & online intensively, he also had personally distributed flyers & spoke to potential buyers in neighboring blocks to increase exposure. Every week there were viewings & feedback.
He actually secured 2 attractive offers but assessed that the 2nd one will be a more smooth transaction. We're glad to have proceeded with his advice for a successful completion. Throughout he was professional and responsive. We wish him a great career and will be happy to recommend his services. Read More